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    • 123 Abc efg   22/09/2019 Dear Sir,   Re:  v xyz. Case No: 123456   CPR 31.14 Request   On (date) I received the Claim Form in this case issued by you out of the county court of Salford.      I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.   Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:     1: The agreement/overdraft Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.   Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974   2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974   3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C   4. Notice of Assignment *   You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.   Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.   In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.   If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.     Yours faithfully   Xyz. is this ok to send. and recorded delivery.
    • I have received statments back to 2008 from them, Its a big file, with lots of the original papaerwork, a lot of this I have not seen for a long time and im sure this wasnt in the previous SAR.  There is some information that has been erased, it seems to be the Witness or agents/sales persons name!    
    • removed again please read upload carefully you must obscure or remove all re number etc 1st line has ref number try and put up the right way  too?   dx  
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help with Charges from my DWP money. Confused

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i am hoping someone can help me with an issue i am having with Natwest. Basically i am getting charged stupid money ( charged today £70 for a pos i made on the 16th - even tho there was money at the time, but there was also a DD coming out)


ok so, i rang Natwest and explained that them taking £70 ( making me £65 overdrawn) leaves me with £5 when my next lot of DWP money goes in at the weekend. Which is not enough to feed 5 people and run the car to get the children to school. I have read thro the other threads about banks takig charges from DWP money but when i tried to tell them about this on the phone i was snubbed off, with them telling me they havent broken any laws or anything. and now i am totally confused. The DD that came out of my account was for my car insurance which tbh i had totally forgotten about ( i have been ill the last few months with mental health issues).


So natwest tell me that i am spending my DWP money before i get it ( the DD and pos) and thats why they are taking £70 from me.


after giving them a bit of a month full they agree in the end to pay 50% of the money back into my account and i will still be charged £28 at the end of the month.


Is there anything i can do about this? or am i stuffed becuase i forgot the date that the DD was coming out my account?


Any help is more than appreacted


Thank you for your time.

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That is incorrect because DWP or benefits BY LAW cannot be taken from you even if you are over an agreed overdraft. It is the Law plain and simple. Pop into your local branch and ask to withdraw the money, all of it, if they say no, then tell them to phone their lending centre and tell them that it is benefit money. They will then give that to you 100%.

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This happened to me also, Abbey took all of my dss benefits to pay for charges even though I had never before been overdrawn in 15 years. since I had the account.

which left me with £17 to live on for a fortnight which caused extreme hardship as I had no money to put in my electric & gas meter and no money for food.

That is why I am in the process of reclaiming my charges back.


I did not know that this was illegal and I bet others dont either


:rolleyes: shazzy :rolleyes:

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Thanks for the advice guys.


The bank won't listen to us, nor will the DWP :sad:


Going to start the process of claiming the charges back by post now.

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